LON:0IL0 Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2019 - 2015
Net Income	14,967	16,978	17,408	12,923	22,176	11,805	Upgrade
Asset Writedown & Restructuring Costs	-1,116	-1,116	-760	361	-1,996	-2,618	Upgrade
Provision for Credit Losses	-380	-380	-1,477	5,550	-4,936	678	Upgrade
Change in Trading Asset Securities	-25,310	-25,310	-1,077	34,787	46,983	-73,659	Upgrade
Other Operating Activities	18,222	77	-1,029	-8,013	-13,236	-8,216	Upgrade
Operating Cash Flow	5,614	-10,520	11,883	43,826	47,211	-72,934	Upgrade
Operating Cash Flow Growth	43.99%	-	-72.89%	-7.17%	-	-	Upgrade
Sale of Property, Plant & Equipment	2,630	3,636	5,718	2,860	3,536	5,991	Upgrade
Net Decrease (Increase) in Loans Originated / Sold - Investing	164,370	138,993	109,686	82,193	79,146	34,147	Upgrade
Other Investing Activities	479	15,166	-16,254	5,075	8,168	-13,453	Upgrade
Investing Cash Flow	167,479	157,795	99,150	90,128	90,850	26,685	Upgrade
Long-Term Debt Issued	-	693,640	644,766	810,663	1,415,364	1,671,462	Upgrade
Long-Term Debt Repaid	-	-830,807	-774,934	-965,407	-1,560,486	-1,570,487	Upgrade
Net Debt Issued (Repaid)	-166,081	-137,167	-130,168	-154,744	-145,122	100,975	Upgrade
Other Financing Activities	-9	-3	-	-	69	-510	Upgrade
Financing Cash Flow	-166,090	-137,170	-130,168	-154,744	-145,053	100,465	Upgrade
Net Cash Flow	7,003	10,105	-19,135	-20,790	-6,992	54,216	Upgrade
Cash Interest Paid	134,979	128,770	118,897	101,469	106,205	113,878	Upgrade
Cash Income Tax Paid	2,405	2,871	2,750	3,511	5,500	3,950	Upgrade

Source: S&P Capital IQ. Financial Services template. Financial Sources.